Rates

Deposit Rates

Interest Rates and Annual Percentage Yields (APY) are subject to change and are effective as of November 15, 2024.

Checking and Savings

Personal Checking Accounts

Account	Minimum Balance to Obtain Annual Percentage Yield	Annual Percentage Yield (APY)	Interest Rate
Preferred Interest Checking	$0.01 - $1,499.99 $1,500.00 +	0.01% 0.05%	0.01% 0.05%
Direct Interest Checking	$0	0.01%	0.01%
Totally Free Checking	N/A	N/A	N/A
Benefits Checking	N/A	N/A	N/A

$50 minimum opening deposit on all personal checking accounts. The interest rate and annual percentage yield may change after opening. Fees could reduce earnings on the account. To earn the stated APY, the minimum daily balance indicated in the tiers must be maintained.

Business Checking Accounts

Account	Minimum Balance to Obtain Annual Percentage Yield	Annual Percentage Yield (APY)	Interest Rate
Commercial Checking*	N/A	0.00%	0.00%
Totally Free Business Checking	N/A	0.00%	0.00%

$50 minimum opening deposit on all business checking accounts. The interest rate and annual percentage yield may change after opening. Fees could reduce earnings on the account. To earn the stated APY, the minimum daily balance indicated in the tiers must be maintained. *Earnings credit of 0.10% will be applied to help offset the monthly maintenance fee and item fees, but will not exceed these fees.

Health Savings Account (HSA)

Minimum Balance to Obtain Annual Percentage Yield	Annual Percentage Yield (APY)	Interest Rate
$0.01 - $4,999.99	0.01%	0.01%
$5,000.00 - $24,999.99	0.05%	0.05%
$25,000.00 +	0.15%	0.15%

No minimum opening deposit required. The interest rate and annual percentage yield may change after opening. Fees could reduce earnings on the account. To earn the stated APY, the minimum daily balance indicated in the tiers must be maintained.

Savings Accounts

Account	Annual Percentage Yield (APY)	Interest Rate
Statement Savings1	0.01%	0.01%
Christmas Club2	0.25%	0.25%

Fees could reduce earnings on the account. ¹$10 minimum to open. The interest rate and annual percentage yield may change after opening. The APY and Interest Rate applies to personal and business accounts. ²$1 minimum to open.

Money Market

Evergreen Money Market Account

Balance	Annual Percentage Yield (APY)	Interest Rate
$0.01 - $34,999.99	0.01%	0.01%
$35,000.00 - $49,999.99	0.01%	0.01%
$50,000.00 - $74,999.99	0.01%	0.01%
$75,000.00 - $99,999.99	0.01%	0.01%
$100,000.00 - $499,999.99	0.05%	0.05%
$500,000.00 - $999,999.99	0.05%	0.05%
$1,000,000.00 +	0.05%	0.05%

$50 minimum deposit required to open. The interest rate and annual percentage yield may change after opening. The APY and Interest Rate applies to personal and business accounts. Fees could reduce earnings on the account. To earn the stated APY, the minimum daily balance indicated in the tiers must be maintained.

CDs & IRAs

CDs and IRAs

Term (months)	Annual Percentage Yield (APY)	Interest Rate
< 3	0.05%	0.05%
3 to < 6	0.35%	0.35%
6 to < 12	0.60%	0.60%
12 to < 24	0.85%	0.85%
24 to < 36	0.85%	0.85%
36 to < 48	0.85%	0.85%
48 to < 60	0.95%	0.95%
60 and over	1.00%	1.00%
Easy Access CD*	0.60%	0.60%
18 month variable rate IRA/SEP	0.60%	0.60%
7 month CD Special	3.80%	3.74%
13 month CD Special	3.25%	3.20%

A $500 minimum opening deposit is required to obtain the stated Annual Percentage Yield (APY) for all CDs (excluding CD Specials) and IRA CDs, except for the 18 month variable rate IRA/SEP which only requires a $10 minimum opening deposit. All CD Specials require a $2,500 minimum opening deposit to obtain the stated APY. CD Interest Rates and APYs apply to both personal and business accounts; may vary for public funds. IRA CD Interest Rates and APYs apply only to personal accounts. Substantial penalty for early withdrawal on all CDs. Fees could reduce earnings on the account. *Not available for IRA or SEP accounts.